The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$89,295
−HK$5,600/mo
▼ 0.25% · 3.875%
HK$92,073
−HK$2,822/mo
Today · 4.125%
HK$94,895
baseline
▲ 0.50% · 4.625%
HK$100,669
+HK$5,774/mo
Deposit HK$19.58M · loan HK$19.58M · min. income ≈ HK$189,790/mo (50% DSR)
Upfront cash ≈ HK$21.24M (deposit + AVD stamp duty HK$1,664,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,340
−HK$5,367/mo
▼ 0.25% · 3.875%
HK$102,004
−HK$2,703/mo
Today · 4.125%
HK$104,707
baseline
▲ 0.50% · 4.625%
HK$110,226
+HK$5,519/mo
Deposit HK$19.58M · loan HK$19.58M · min. income ≈ HK$209,414/mo (50% DSR)
Upfront cash ≈ HK$21.24M (deposit + AVD stamp duty HK$1,664,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,154
−HK$6,720/mo
▼ 0.25% · 3.875%
HK$110,487
−HK$3,387/mo
Today · 4.125%
HK$113,874
baseline
▲ 0.50% · 4.625%
HK$120,803
+HK$6,929/mo
Deposit HK$15.66M · loan HK$23.50M · min. income ≈ HK$227,748/mo (50% DSR)
Upfront cash ≈ HK$17.33M (deposit + AVD stamp duty HK$1,664,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,208
−HK$6,441/mo
▼ 0.25% · 3.875%
HK$122,405
−HK$3,244/mo
Today · 4.125%
HK$125,649
baseline
▲ 0.50% · 4.625%
HK$132,272
+HK$6,623/mo
Deposit HK$15.66M · loan HK$23.50M · min. income ≈ HK$251,298/mo (50% DSR)
Upfront cash ≈ HK$17.33M (deposit + AVD stamp duty HK$1,664,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,013
−HK$7,840/mo
▼ 0.25% · 3.875%
HK$128,902
−HK$3,951/mo
Today · 4.125%
HK$132,853
baseline
▲ 0.50% · 4.625%
HK$140,937
+HK$8,084/mo
Deposit HK$11.75M · loan HK$27.41M · min. income ≈ HK$265,706/mo (50% DSR)
Upfront cash ≈ HK$13.41M (deposit + AVD stamp duty HK$1,664,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,076
−HK$7,514/mo
▼ 0.25% · 3.875%
HK$142,806
−HK$3,784/mo
Today · 4.125%
HK$146,590
baseline
▲ 0.50% · 4.625%
HK$154,317
+HK$7,727/mo
Deposit HK$11.75M · loan HK$27.41M · min. income ≈ HK$293,180/mo (50% DSR)
Upfront cash ≈ HK$13.41M (deposit + AVD stamp duty HK$1,664,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,732
−HK$10,079/mo
▼ 0.25% · 3.875%
HK$165,731
−HK$5,080/mo
Today · 4.125%
HK$170,811
baseline
▲ 0.50% · 4.625%
HK$181,204
+HK$10,393/mo
Deposit HK$3.92M · loan HK$35.24M · min. income ≈ HK$341,622/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$1,664,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,812
−HK$9,661/mo
▼ 0.25% · 3.875%
HK$183,608
−HK$4,865/mo
Today · 4.125%
HK$188,473
baseline
▲ 0.50% · 4.625%
HK$198,408
+HK$9,935/mo
Deposit HK$3.92M · loan HK$35.24M · min. income ≈ HK$376,946/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$1,664,309 · Scale 2, in force from 26 Feb 2026)